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Factors affecting selection of life insurance companies in nepal
(2025) Angbuhang, Rubina; Indra Bahadur Bohara
This study assessed the factors influencing the selection of life insurance companies in
Nepal, addressing a critical gap in understanding consumer behavior within the country‘s
evolving insurance market. Utilizing a descriptive and causal research design, the study
explores the impact of product and premium, service quality, closeness, technology, agent
behavior, and brand image on consumer decision-making. Primary data were collected
from 384 respondents through structured questionnaires employing a five-point Likert
scale, with convenience sampling applied due to practical constraints. Descriptive
analysis, correlation, and regression analysis were conducted to assess the significance
and interrelationships of these factors. The findings reveal that service quality (r = 0.819,
β = 0.605) and closeness (r = 0.762, β = 0.391) are the most influential determinants,
followed by technology (β = 0.213), with all factors showing statistical significance (p <
0.05). Strong inter-variable correlations, notably between closeness and technology (r =
0.842), indicate a synergistic effect, suggesting that improvements in one factor enhance
others. These results imply that insurance companies should prioritize exceptional
service, foster personal connections, and leverage digital innovations to meet consumer
expectations while maintaining competitive pricing and strong brand reputation. The
study provides actionable insights for insurers to enhance market competitiveness and for
policymakers to promote financial literacy and regulatory support, fostering a consumercentric
insurance sector in Nepal. Despite limitations such as convenience sampling and a sample size of 384,
the findings offer a robust foundation for future research and strategic
development in Nepal‘s life insurance industry.
Keywords: Agent behavior, brand image, closeness, service quality, technology
Digital identity towards shared principles for public sectors enterprises
(2025) Shrestha, Rohit; Indra Bahadur Bohara
This study investigates the effectiveness of digital identity implementation (EDII) in
Nepalese public sector enterprises by examining the influence of six key factors: policy and
regulatory readiness (PRR), technological infrastructure (TI), institutional capacity and
leadership (ICL), user trust and privacy perception (UTPP), inclusiveness and accessibility
(IA), and stakeholder collaboration (SC). The primary objectives were to assess the current
implementation status of these variables, explore their interrelationships, and analyze their
impact on public trust in digital identity systems. Employing a descriptive and causal
research design, data were collected from 384 respondents in Kathmandu Valley through a
structured online questionnaire. The study used statistical techniques, including mean
analysis, correlation, and multiple regression, to examine the relationships among the
independent variables (PRR, TI, ICL, UTPP, IA, SC) and their collective effect on the
dependent variable (EDII). Findings indicate that while digital identity principles are
moderately implemented across Nepal’s public sector, technological infrastructure (TI),
institutional capacity and leadership (ICL), inclusiveness and accessibility (IA), and
stakeholder collaboration (SC) exhibit higher levels of readiness and impact compared to
policy and regulatory readiness (PRR). Correlation results demonstrate significant positive
relationships among most variables, emphasizing their interconnected role in supporting
effective digital identity implementation. Regression analysis confirms that TI, ICL, UTPP,
IA, and SC significantly enhance EDII, thereby fostering public trust in digital identity
systems. However, policy and regulatory readiness (PRR) showed a less pronounced effect
in this context. Overall, the study highlights the critical need for a comprehensive approach
that integrates technological capabilities, institutional leadership, inclusive access, and
collaborative governance to build trusted and effective digital identity frameworks. These
insights provide valuable guidance for policymakers, managers, and stakeholders striving
to improve digital identity adoption and strengthen public trust within Nepal’s public
sector.
Keywords: Digital identity implementation, policy and regulatory readiness,
technological infrastructure, institutional capacity, user trust, inclusiveness,
stakeholder collaboration, public trust
Financial literacy and investment decision of individual investors
(2025) Tandukar, Riju; Rita Maskey
The general purpose of the study is to examine and analyze the financial literacy and
investment decisions of individual investors. This study more specially analyzed the
effect of financial literacy (i.e. financial knowledge, financial awareness, financial
behavior, financial skills and financial attitude) on the investment decisions of
individual investors. Among all the investors, sample of 400 active investors and their
responses are studied in this study. Primary data were collected through the survey in
the form of structured questionnaire. The study applied descriptive and casual research
design which aims to study financial literacy and investment decision of individual
investors in Nepalese capital market. For the data analysis descriptive statistics,
correlation analysis and multiple regression mode are applied and the data analysis is
conducted using SPSS software. It was found that financial awareness has the most
significant effect on investment decision, since without the knowing the financial status
and condition, financial system and policy regarding financial activities individuals do
not invest in any sectors. Likewise, finical attitude also has significant positive impact
on investment decision since, the investment nature of individual are different as per
their attitude of investment. Similarly, financial knowledge and financial behavior have
significant positive effect on investment decision of the investors since without
knowing the financial benefits and without having fund for investment no one can
invest in any sector. In the same way, financial skill of individuals to understand the
situation in the market also has significant effect in investment decision.
Keywords: Financial Knowledge, Financial Awareness, Financial Behavior, Financial
Skills, Financial Attitude and Investment Decision